Class 2+
- Published: 10 October 2026
Class 2+
Tokio Marine Safety Insurance Class 2+ for older cars: saloons, pickups and vans up to 20 years old, premium from THB 6,200 per year
Premium information as at 4 August 2026
Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 6,200–8,100 per year, depending on the sum insured and vehicle type
Highlights: accepts cars up to 20 years old, with no vehicle inspection in this campaign
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Your car is more than ten years old, Class 1 insurers won't renew it or will only do so at a premium out of proportion to the car's value, and with Class 3 alone you worry you'd get nothing if the car were stolen or caught fire. Which should you choose?
Tokio Marine Safety Insurance's 2+ for older cars is another option for older vehicles, but there are conditions on vehicle type and modifications that you should check first.
■ Tokio Marine Safety Insurance 2+ for older cars: who is it for and how much does it cost?
Short answer: Tokio Marine Safety Insurance 2+ suits owners of privately used saloons, pickups or vans up to 20 years old who want more cover than Class 3. It covers the car in a collision with a land vehicle where the other party can be identified, plus theft and fire, with a sum insured of THB 50,000–300,000. Premiums start at THB 6,200 per year (sum insured THB 50,000, information as at 4 August 2026). The actual premium depends on the vehicle type, the model and the sum insured you choose.
■ What does Tokio Marine Safety Insurance 2+ cover?
✓ Damage to the car from a collision with a land vehicle
Limit: up to the sum insured of THB 50,000–300,000
Condition: the other party must be identified; hitting a post, wall or other object is not covered
✓ Theft / fire
Limit: up to the sum insured
✓ Accessories in the car
Limit: within the sum insured, no separate limit
✓ Third-party bodily injury or death
Limit: THB 500,000 per person, up to THB 20,000,000 per accident in total
✓ Third-party property
Limit: THB 1,000,000
✓ Personal accident (death, dismemberment, permanent disability)
Limit: THB 100,000
Condition: driver and passengers, 7 / 12 / 3 seats depending on vehicle type
✓ Medical expenses
Limit: THB 100,000
Condition: driver and passengers, 7 / 12 / 3 seats depending on vehicle type
✓ Driver bail bond (criminal cases)
Limit: THB 200,000
■ Roughly how much is the Tokio Marine Safety Insurance 2+ premium?
Starting annual premiums, including tax and stamp duty, excluding compulsory motor insurance (CMI), as at 4 August 2026 (rates apply until 31 December 2027 or until the insurer announces a change)
Saloons (code 110) and pickups (code 320)
• Sum insured THB 50,000 → from THB 6,200
• Sum insured THB 100,000 → from THB 6,500
• Sum insured THB 150,000 → from THB 6,800
• Sum insured THB 200,000 → from THB 7,100
• Sum insured THB 250,000 → from THB 7,400
• Sum insured THB 300,000 → from THB 7,700
Vans (code 210)
• Sum insured THB 50,000 → from THB 6,600
• Sum insured THB 100,000 → from THB 6,900
• Sum insured THB 150,000 → from THB 7,200
• Sum insured THB 200,000 → from THB 7,500
• Sum insured THB 250,000 → from THB 7,800
• Sum insured THB 300,000 → from THB 8,100
The actual premium depends on the vehicle type, the model and the sum insured you choose. These rates apply to vehicle groups 3–5 as defined by the insurer and already include the no-claims discount, the dashcam discount and the app discount. The amount you actually pay is the one shown on the quote.
CMI is bought separately; prices include tax and stamp duty
• Saloon, code 110 → THB 645.21
• Van, code 210 → THB 1,182.35
• Pickup, code 320 (up to 3 tonnes) → THB 967.28
A worked example to illustrate
▸ Saloon with a THB 200,000 sum insured, bought together with CMI
7,100 + 645.21 = THB 7,745.21 per year
▸ Is a higher sum insured worth it?
A simple rule: every THB 50,000 added to the sum insured adds THB 300 to the starting premium
For example, raising a saloon's sum insured from THB 100,000 to 200,000 increases the premium from THB 6,500 to 7,100
Pay THB 600 more per year for THB 100,000 more cover on the car
■ Who is Tokio Marine Safety Insurance 2+ for?
- Owners of older cars, up to 20 years old, that Class 1 won't accept or where the premium is out of proportion to the car's value
- Saloons, pickups or vans used privately or as company cars
- People who want theft and fire cover, which standard Class 3 doesn't have
- People who want insurance without booking a vehicle inspection
■ Who shouldn't buy this plan yet?
- Electric vehicles (EV)
This plan doesn't accept EVs. See Viriyah EV 2+ dealer repair insurance instead
- Cars registered to a company, cars used for hire, or rental cars
This plan only accepts private cars and company cars. If you drive for Grab or Bolt, see Class 1 RY.18 insurance for Grab/Bolt cars
- Modified cars or pickups fitted with commercial equipment
Not accepted: sports cars, racing cars, cars with body modifications, lowered or raised cars, cars with engine modifications, added gauges, carbon or Kevlar parts, stickers or colour wraps; also not accepted are pickups with reinforced leaf springs or fitted with beams, cages, rails, axles, alloy wheels or cargo boxes
- Chevrolet cars over 5 years old
This plan only accepts Chevrolets up to 5 years old
■ What limitations should you check before you decide?
1) The other party must be identified
Damage to the car is covered only in a collision with a land vehicle where the other party is identified. If you are hit and the other party drives off, the car is not covered.
2) The sum insured must not exceed the car's value at the time of application
The highest sum insured in the table is THB 300,000. The insured pays any repair costs above the sum insured.
3) Only vehicle groups 3–5 as defined by the insurer are accepted
Send us your car model first so we can check it is in an accepted group
4) This price already includes discounts
Includes the no-claims and dashcam discounts
■ What do you need to send to get the actual premium for your car?
Send just 2 things
1) A photo of the front page of the registration book
2) The front page of your current policy
Our team will send you a written quote within the working day, showing the premium including tax and stamp duty, plus CMI if you want them together. If one plan is better value, we'll tell you straight. If the conditions differ, we'll explain them before you pay.
LINE Official: @prakanthai
Tel. +66 2 459 2223
■ Frequently asked questions
Q: My car is 18 years old. Do I need to take it for an inspection first?
A: This campaign waives the vehicle inspection, as long as the car is no more than 20 years old and is in a vehicle group the insurer accepts.
Q: Can I insure a company car my employer lets me use?
A: Yes. This plan accepts company cars, but if the car is registered to a juristic person, it does not meet this plan's conditions.
Q: Can I insure a pickup with a Carryboy canopy or a tonneau cover?
A: The conditions only list commercial equipment such as cages, rails, beams, cargo boxes and reinforced leaf springs. Canopies and tonneau covers have to be checked with the insurer car by car. You can send us photos of the car to check first.
Q: Can I renew CMI at the same time?
A: Yes, just mention it when you ask for a quote. If you want to align the cover dates with your tax renewal first, read New CMI rules from 1 September 2026: align your cover dates with your vehicle tax
Q: When will I get my policy after buying online?
A: Once you've filled in all your details, our team will call you back to confirm them before the policy is issued.
Q: Who approves claims?
A: Underwriting and claim payments are decided by Tokio Marine Safety Insurance. As your broker, Prakanthai.com helps coordinate and follow up for you.
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Notes
The cover and premium information on this page is based on product information from Tokio Marine Safety Insurance (Thailand) Public Company Limited as at 4 August 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are at the insurer's discretion. Prakanthai.com is a non-life insurance broker, not an insurer, broker licence no. 5104000004, and has been serving customers since 2004. Read the policy and the quote in full before you decide.
Price: THB 6,200 | Start date: 1 July 2024 |
End date: 31 December 2027 |
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Fill in the car, registered owner and keeper details and the Prakanthai team will call you back to arrange the policy.